Dodge Journey Insurance Rates

Estimated insurance rates for a Dodge Journey are $1,284 a year including full coverage. Comprehensive costs approximately $250, collision insurance costs $424, and liability costs $452. A liability-only policy costs as little as $504 a year, and high-risk insurance costs around $2,778. Teen drivers pay the most at up to $4,918 a year.

Average premium for full coverage: $1,284

Premium estimates by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different Journey trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas. The price range example below illustrates the difference location can make on auto insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of using price averages.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below breaks down average Dodge Journey insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $748
• Drivers who choose higher $1,000 deductibles will pay $152 every year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,284
• Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,580
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,778
• An auto insurance policy for full coverage for a teen driver with full coverage can cost $4,918 a year

View Chart as Image

Auto insurance prices for a Dodge Journey also have a wide range based on your driving characteristics, the model of your Journey, and physical damage deductibles and liability limits.

An older driver with a good driving record and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay in the ballpark of $4,900 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Journey insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,830 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $450 every year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance can cost as much as 43% to 130% more than average. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Affordable Dodge Journey Insurance

Finding better rates on car insurance not only requires having a decent driving record, but also having good credit, refrain from filing small claims, and possibly higher deductibles. Make time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a brief review of the information touched on in this article.

• You may be able to save around $150 per year just by shopping early and online
• 16 to 18-year-old drivers have the highest car insurance prices, with the cost nearing $410 per month if they have full coverage
• Increasing policy deductibles can save around $450 each year
• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,490 more per year than a driver with a clean driving record
• Policyholders who purchase additional liability coverage will pay about $500 per year to go from 30/60 bodily injury limits to 250/500 limits